The situation you mentioned belongs to the illegal operation of bank credit personnel, and the normal operating procedures should be very strict. In some formal banks, not only borrowers and guarantors are required to be present, but also the relevant personnel must be married adults. Both husband and wife should sign their fingerprints, show the original and copy of legal and valid identity documents, and issue personal income certificates, property certificates that can be executed by the court and related procedures ... In addition, everyone should take photos and file them, and then if, as you said, the bank loan officer helps someone to lend money in your name without your consent on the premise of violating the principle.

Satisfied, please adopt! thank you